United Bancorp, Inc. (Ohio) (UBCP) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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United Bancorp, Inc. (Ohio)

Union Bankshares, Inc. (Vermont)

Why is United Bancorp, Inc. (Ohio) ?

Weak Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income

A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is United Bancorp, Inc. (Ohio) for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

United Bancorp, Inc. (Ohio)

29.79%

1.30

32.64%

S&P 500

14.9%

0.77

19.29%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

8.47%

EBIT Growth (5y)

-2.21%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

52.78%

Pledged Shares

Institutional Holding

12.73%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.27

EV to EBIT

-24.72

EV to EBITDA

-21.53

EV to Capital Employed

0.90

EV to Sales

-3.98

PEG Ratio

2.47

Dividend Yield

3.73%

ROCE (Latest)

-3.62%

ROE (Latest)

10.50%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

9What is working for the Company

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET PROFIT(Q)

Highest at USD 2.04 MM

NII(Q)

Highest at USD 6.89 MM

CASH AND EQV(HY)

Highest at USD 54.56 MM

PRE-TAX PROFIT(Q)

Highest at USD 1.97 MM

EPS(Q)

Highest at USD 0.37

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 7.66 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 76.65%

OPERATING PROFIT(Q)

Lowest at USD 1.28 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 12.04 %

Here's what is working for United Bancorp, Inc. (Ohio)

Net Profit

Highest at USD 2.04 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 6.89 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Pre-Tax Profit

Highest at USD 1.97 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

EPS

Highest at USD 0.37

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Cash and Eqv

Highest at USD 54.56 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for United Bancorp, Inc. (Ohio)

Operating Cash Flow

Lowest at USD 7.66 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Operating Profit

Lowest at USD 1.28 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 12.04 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Credit Deposit Ratio

Lowest at 76.65%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)